fire prevention

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The Most Common Holiday-Related Insurance ClaimsThe holiday season is upon us, meaning it's time to be jolly, gather with friends and family, and, hopefully, stay safe. But in addition to the things we're all wishing for, the holidays can bring some unwanted gifts in the form of accidents, damages, or injuries that might result in an insurance claim. So what are the most common holiday-related insurance claims and how can you avoid them? Read on to find out.
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10 Steps for Spring Cleaning Your GarageA garage is often the place we tend to dump things that we don't know what else to do with, and one that we rarely truly clean. Even after a year at home, when many of us have deep cleaned, purged, and organized our entire houses, the garage may still be filthy, full of junk, disorganized, or all three. So if you're ready to tackle this space, here's how to start (and finish).
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Dryer Vent Safety FactorsAccording to the U.S. Fire Administration, clothes dryers contribute to nearly 3,000 fires, 5 deaths and over $35 million in property loss each year. So making sure your dryer vent is clear is a simple but important way to keep your home and family safer. Even in the absence of fire, clogged vents cause your dryer to be less effective resulting in greater use of electricity and more breakdowns. If you find your dryer is taking longer and longer to fully dry a load of laundry, chances are your vent has become blocked with lint.
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Inspecting and Maintaining Home UtilitiesUtilities, such as electricity, water, and natural gas, allow us to complete the tasks of daily living. Now that working from home has become the norm, it's that much more important that these critical services work reliably, day after day. As the chances of extreme weather and natural disasters continue to increase, here's what you should know about maintaining your home utilities, and what to do if there's a problem.
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Preparing for an EmergencyA few short months ago, many of us, and around the world, quickly learned that we were not prepared for an emergency. And while it didn't turn out to be the type of emergency we thought it was; there was really no need to buy all that toilet paper. It reminded us that we are not invincible, and that we really should have an emergency plan and supplies in place. If you haven't already put together your own emergency plan and supplies, it's not too late. Take the following steps to make sure your family is prepared.
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Home Innovations: Technology for Smarter LivingTechnology-enhanced homes in New York are the wave of the future, but many people might not understand how smart home technology works, believe they can afford it, or know whether or not it's worth the investment. While there certainly are complete smart home systems available, you don't necessarily have to go all in or spend a ton of money in order to take advantage of some of the most practical innovations smart home technology has to offer.
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Keeping your Cool in the SummerIn some areas of the country, having an air conditioner is an absolute necessity. But in other areas, such as in the Rocky Mountain Regions, staying cool indoors takes some diligence and effort. Whether your home is equipped with AC or not, here are some things you can do to keep your spaces cooler this summer.
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10 Tips to Prep for Boat SeasonBoating season is here and, fortunately, it's an activity that can be very compatible with social distancing and other pandemic safety guidelines. But before you take your new or beloved watercraft out for a first spin, it's important to conduct basic maintenance and preparations so that your time out on the water is safe and smooth sailing.
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Fire Prevention - Power Strip SafetyWhat would we do without our handy power strips? Those convenient blocks of electrical sockets, which enable us to convert one outlet into several, make it possible to plug in all the gear that we can't live without these days. A typical location for a power strip is the home office, where it helps computers, speakers, printers, monitors, and all sorts of other necessities come to life. But many households have power strips in multiple rooms, if not every room, since there are so many items that require plugging in these days. Hairstyling tools, cooking equipment, and phone chargers come to mind!
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Fire Safety: Keeping Appliances in CheckMost people rely on dozens of appliances to support their daily tasks and activities, including small but significant tools like alarm clocks or hairdryers; toasters and stand mixers; and heavy hitters like the dishwasher or washing machine. So, how do you keep your appliances running their best, and getting a good return for your investment by having them work for as many years as possible? Here are a few tips to improve the performance and longevity of appliances.
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Tree Care for HomeownersTrees add a lot to a community and neighborhood in New York, and they even enhance the value of the properties they inhabit. But if not properly maintained, they can cause safety issues, increase the risk of fire, damage homes, interfere with power lines or plumbing; or become diseased and even die. Whether your trees are new, young or mature, don't leave their health up to chance. Here are some ways to maintain trees on your property.
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Spring CleaningWe all love how fresh and wonderful a home can feel after a good spring cleaning; but getting started can be overwhelming. Fortunately, you don't have to clean your home perfectly to rejuvenate your living space. Here's how to get maximum results, whether you have a few hours, a few days, or no extra time at all.
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Change Furnace FilterLet's face it, most of us probably don't think much about replacing everyday household items, the ones we hang onto for months or even years. But hiding in our kitchens, bathrooms, and bedrooms are many tools and products that should be refreshed on a regular basis to prevent illness and disease, or just to ensure that they're actually working properly.
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November is National Sleep Comfort MonthSleep is one of the most important aspects of healthy living. The New York Times recently proclaimed that "sleep is the new status symbol," and recent studies have blamed a lack of sleep for everything from poor academic performance to weight gain to relationship problems. So how much sleep do you really need? Probably more than you're getting. The CDC recommends a minimum of 7 hours, even for adults. Children and teens need even more, so if you're a parent, be sure to help your child get to bed at a reasonable hour each night.
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Kathleen Hansen -

When it's time to store your boat for the winter, sit down with a member of the marina's staff and discuss what you can expect to have done. Most marinas are prepared to service your boat efficiently, but you are responsible for seeing that all work is done. Ask that they call you when the winterizing is complete.
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Categories: annual review, annuity, asset protection, atv, automotive, boat , boat and yacht insurance, boat insurance, bonds, business auto, business continuity, business insurance, business interruption, business management, business safety, car insurance, car safety, christmas, claim examples, college students, collision, community involvement, comprehensive, computer security, contractual liability, cyber security, deductible, disability insurance, disaster insurance, discounts, domestic employee, driving safety, earthquake, electricity, employee retention, employee safety, epli, family fun, family safety, finances, fire insurance, fire prevention, fireworks, floaters, flood, flood insurance, food safety, gun safety, health, health insurance, healthy living, hmo, holiday, home business, home insurance, home safety, hsa, identity, identity theft, immunization, inland marine, insurance, insurance claims, insurance cost, insurance credits, insurance exclusions, insurance history, insurance quiz, insurance records, internet, inventory, investments, jack and sara, joke, just for fun, lawsuits, liability insurance, life insurance, long term care, mental health, money, motorcycle, new york, ocean marine, online safety, outdoor safety, paid family leave, personal property, pet insurance, pets, planning, ppo, prevention, product liability, professional liability, retirement, risk management, safety, security, small business, smoking, spouse, spp, structured settlements, technology, teen drivers, term life, trailer safety, travel insurance, umbrella, umbrella policy, water damage, weather, weather safety, wedding, winter, winter storage, winterizing, work safety, workers compensation | View all Categories
Kathleen Hansen -

Dear Valued Client:

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Categories: annual review, annuity, asset protection, atv, automotive, boat and yacht insurance, boat insurance, bonds, business auto, business continuity, business insurance, business interruption, business management, business safety, car insurance, car safety, christmas, claim examples, college students, collision, community involvement, comprehensive, computer security, contractual liability, cyber security, deductible, disability insurance, disaster insurance, discounts, domestic employee, driving safety, earthquake, electricity, employee retention, employee safety, epli, family fun, family safety, finances, fire insurance, fire prevention, fireworks, floaters, flood, flood insurance, food safety, gun safety, health, health insurance, healthy living, hmo, holiday, home business, home insurance, home safety, hsa, identity, identity theft, immunization, inland marine, insurance, insurance claims, insurance cost, insurance credits, insurance exclusions, insurance history, insurance quiz, insurance records, internet, inventory, investments, jack and sara, joke, just for fun, lawsuits, liability insurance, life insurance, long term care, mental health, money, motorcycle, new york, ocean marine, online safety, outdoor safety, paid family leave, personal property, pet insurance, pets, planning, ppo, prevention, product liability, professional liability, retirement, risk management, safety, security, small business, smoking, spouse, spp, structured settlements, technology, teen drivers, term life, trailer safety, travel insurance, umbrella, umbrella policy, water damage, weather, weather safety, wedding, winter, work safety, workers compensation | View all Categories

Spring is here in most places around the country, and that means that summer isn't far behind. Instead of leaving all of the work until the sunny days of summer, there's a lot that can be done in the meantime to get ready for outdoor living. Here are some tips for preparing your home and garden before the sun and balmy weather start to beckon you.
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Kathleen Hansen -

A 5-Step Checklist for Financial Health in 2017

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Categories: annual review, annuity, asset protection, automotive, boat and yacht insurance, boat insurance, bonds, business auto, business continuity, business insurance, business interruption, business management, business safety, car insurance, car safety, christmas, claim examples, college students, collision, community involvement, comprehensive, computer security, contractual liability, cyber security, deductible, disability insurance, disaster insurance, discounts, domestic employee, driving safety, earthquake, electricity, employee retention, employee safety, epli, family fun, family safety, finances, fire insurance, fire prevention, fireworks, floaters, flood, flood insurance, food safety, gun safety, health, health insurance, healthy living, hmo, holiday, home business, home insurance, home safety, hsa, identity, identity theft, immunization, inland marine, insurance, insurance claims, insurance cost, insurance credits, insurance exclusions, insurance history, insurance quiz, insurance records, internet, inventory, investments, jack and sara, joke, just for fun, lawsuits, liability insurance, life insurance, long term care, mental health, money, motorcycle, ocean marine, online safety, outdoor safety, personal property, pet insurance, pets, planning, ppo, prevention, product liability, professional liability, retirement, risk management, safety, security, small business, smoking, spouse, spp, structured settlements, technology, teen drivers, term life, trailer safety, travel insurance, umbrella, umbrella policy, water damage, weather, weather safety, wedding, winter, work safety, workers compensation | View all Categories
Kathleen Hansen -

Before signing on the dotted line, it's important to know what exactly comes with the new house you're about to buy. In addition to that amazing kitchen, fabulous master bath and lush green backyard, could there be foundation issues? Or maybe a rotting roof in need of replacing? You may not be required to have a home inspection, but it is highly recommended and almost always worth the money. Help reduce your stress and take the guesswork out of potential issues by working with a qualified home inspector.
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Kathleen Hansen -

No matter what the climate is like where you live, keeping the temperature comfortableinside your car often means battling foggy windows. If you live in a climate with cold winters, staying warm in your chilly car means turning on the heater — and battling the resultant fog on the inside of your windows. In warm, humid areas, turning on the AC can cause the opposite issue — fog blurring your windows from the outside.
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A Christmas tree is a non-negotiable tradition for many families during the holidays. But even those who look forward to those twinkling lights and strings of popcorn may have a small child or mischievous cat that makes having a tree difficult and sometimes even dangerous.

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Kathleen Hansen -

National Fire Prevention Week is October 4th through the 10th this year. Prevent household fires and protect your family by using some of these helpful tips!

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Summer in New York is coming and with it is the opportunity to experience all kinds of warm-weather mishaps. Here are some common summer dangers and how to avoid them.
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Executive Insurance and Financial Services -

Put a hold on your mail and your newspaper deliveries, or have someone take in the mail so your home doesn’t look empty.

2.Don’t Broadcast Your Trip
Don’t tell too many people you will be away, you don’t want the wrong person to know that you left your home empty.
Don’t post your upcoming trip on Facebook, Twitter, or any other Social Networking site.
Don’t “check in” to restaurants, stores or tourist sites online while on vacation.
Don’t post daily updates or blog about your trip while you’re away.
Resist the urge to post pictures from your trip online until you get back home.
No matter how tight your privacy settings are, broadcasting your trip over a blog or social networking site allows strangers (or worse, untrustworthy friends) to know that your home is empty.
3.Have a friend watch your home.
Ask someone you trust to drive by your house daily.Give that person or a key to get in incase of an emergency like a water leak or an alarm sounding. If you have more than one person visiting your house (such as a dog walker or someone watering your plants) make sure they know about each other.
4.Make Sure You can Be Reached
The same someone watching your house should have a way to reach you by phone.If you will be out of the country or on a cruise, plan ahead and test the number, to make sure that you can give your contact person a working phone number to reach you.Give this person other important contact numbers, including your insurance agent’s phone number.(For E.I.F.S. its (888)343-7463)
5.Make Your House Look Lived In
Use timers to have lights go on and off so they think someone is home. Set at least two lights to go on and off at different times in different parts of the house.Leave curtains as you usually keep them; noticeable changes will hint that you’re not around.
Ask the person watching your house to do small things to make your home look lived in.Have them move a car, park in your driveway, or take out the trash and put the garbage can away again the next day.
6.Hide Valuables
Move expensive items such as jewelry, cash, and silver so that it is out of site. Make sure you can’t view anything valuable from the windows of your home.Put laptop and other electronics safely away and out of site. Do not leave purses or bags sitting out where they can be seen, even if they are empty.
7.Change Your Answering Machine
Callers don’t need to know you’re not home. Change your message so it says “we can’t come to the phone right now.”
8.Protect Your Home from Danger (such as Water or Fire)
Unplug all small appliances (such as the toaster oven, coffee pot, TV, and computer).
Don’t leave the house until you check that there is no water left running. If you’re going to be gone for a while turn off the water to your washing machine, icemaker and dishwasher.
9.Lock all doors and windows.
It sounds simple enough but check all doors and windows.Did you forget the garage and basement entrances?Make sure cat/dog doors are locked up tight. Remove your spare key from its hiding place.
10.Don’t Leave Burglars a Map to Your Empty Home
Don’t leave your portable GPS unit in the airport parking lot with your “home” location programmed into the system.Add a working garage door opener and you have not only left them with a convenient map to your home, but also a way to enter it. Also make sure nothing else in the car identifies the address of your empty home.
The best way to protect your home is with a good Homeowner's Insurance Policy.
Call E.I.F.S. today and let us help you relax by making sure your home is protected.
(888)343-7463
or
Contact Us By E-Mail
Now that your home is secure, have a great vacation and relax!

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Executive Insurance and Financial Services -

Defective electrical wiring systems cause approximately 40,000 residential fires annually, according to a United States Consumer Product Safety Commission (CPSC) study. In addition, electric cords and plugs are involved in about 7,000 fires annually. The National Electrical Safety Foundation offers numerous tips to safeguard the home against electrical fire and related losses, including the following.
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Twenty five percent of the businesses forced to close due to a disaster or emergency never reopen. Smaller businesses are especially vulnerable because they do not typically have the resources to cover continuing expenses if income is interrupted. A business can greatly reduce the chances of a disaster becoming a death sentence for you business by planning ahead. Here's what you need to have in place.
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